2005 Nissan Frontier Insurance Quotes – 10 Tips to Save

Want better car insurance rates? Drivers have options when trying to find low-cost Nissan Frontier insurance. You can either waste hours calling around to compare prices or leverage the internet to compare rates.

There is a right way and a wrong way to find car insurance online and you need to know the proper way to get price quotes on a Nissan and get the cheapest rates.

Don’t overlook these ten insurance discounts

Companies do not advertise all disounts in a way that’s easy to find, so here is a list some of the best known and the more hidden credits available to bring down your rates.

  • Anti-theft System – Cars with anti-theft systems have a lower chance of being stolen and will save you 10% or more.
  • Club Memberships – Being a member of a civic or occupational organization is a simple method to lower premiums when getting a auto insurance quote.
  • Driver’s Education for Students – Have your child sucessfully take a drivers education course as it can save substantially.
  • Driver Training Discounts – Successfully completing a course in driver safety is a good idea and can lower rates and make you a better driver.
  • Discounts for New Vehicles – Insuring a new car is cheaper because newer vehicles keep occupants safer.
  • Discount for Swiching Early – Some insurance companies provide a discount for switching policies prior to your current policy expiration. Ten percent is about the average savings.
  • Multi-line Discount – Some insurance companies give a break if you buy auto and life insurance together.
  • Home Ownership Discount – Just being a homeowner can save you money since home ownership is proof of financial responsibility.
  • Active Service Discounts – Having an actively deployed family member could be rewarded with lower insurance rates.
  • Data Collection Discounts – Drivers who elect to allow their company to monitor where and when they drive remotely such as Snapshot from Progressive or Drivewise from Allstate could possibly reduce rates if they have good driving habits.

Drivers should understand that most discounts do not apply to the overall cost of the policy. A few only apply to the price of certain insurance coverages like collision or personal injury protection. Just because it seems like all those discounts means the company will pay you, that’s just not realistic. But all discounts should definitely cut your insurance premiums.

To choose insurers with the best discounts, click here to view.

How to shop car insurance online

There are multiple methods you can shop for car insurance but there is one way that is easier and takes less work. You could waste a few hours talking to insurance companies in your area, or you could use online quotes to get rates in a matter of minutes.

Many companies participate in an industry program that allows shoppers to enter their policy data once, and at least one company provides a quote based on that information. This saves time by eliminating quote requests for every car insurance company.

To get comparison pricing now click to open in new window.

The single downside to using this type of form is that you can’t choose which insurance companies you will receive quotes from. So if you prefer to pick specific providers to receive pricing from, we have a listing of the cheapest car insurance companies in your area. Click here to view list.

It doesn’t matter which method you choose, just do your best to use exactly the same coverage information for every quote you compare. If you enter different values for each quote it will be next to impossible to make a fair rate comparison.

When to get professional advice

When it comes to choosing adequate coverage for your vehicles, there really is no perfect coverage plan. Coverage needs to be tailored to your specific needs.

These are some specific questions could help you determine whether you would benefit from professional advice.

  • Why am I be forced to buy a membership to get insurance from some companies?
  • Does my insurance cover my expensive audio equipment?
  • Am I covered if my car is in a flood?
  • Why do I need rental car insurance?
  • Does my personal policy cover me when driving out-of-state?
  • Am I covered by my spouse’s policy after a separation?
  • Am I better off with higher deductibles on my 2005 Nissan Frontier?
  • Is my dog or cat covered if injured in an accident?

If you don’t know the answers to these questions then you might want to talk to an agent. If you want to speak to an agent in your area, take a second and complete this form. It only takes a few minutes and you can get the answers you need.

Insurance coverage specifics

Having a good grasp of insurance aids in choosing appropriate coverage at the best deductibles and correct limits. Policy terminology can be difficult to understand and reading a policy is terribly boring.

Protection from uninsured/underinsured drivers

This coverage protects you and your vehicle from other drivers when they either are underinsured or have no liability coverage at all. Covered losses include injuries to you and your family and damage to your Nissan Frontier.

Since many drivers carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages is very important. Frequently your uninsured/underinsured motorist coverages do not exceed the liability coverage limits.

Coverage for collisions

Collision coverage covers damage to your Frontier caused by collision with an object or car. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage pays for things like colliding with another moving vehicle, colliding with a tree and rolling your car. Collision is rather expensive coverage, so consider removing coverage from older vehicles. Another option is to raise the deductible to get cheaper collision coverage.

Liability car insurance

This coverage protects you from injuries or damage you cause to people or other property. It protects you against other people’s claims. It does not cover damage to your own property or vehicle.

Split limit liability has three limits of coverage: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have limits of 100/300/100 which means $100,000 bodily injury coverage, a per accident bodily injury limit of $300,000, and a total limit of $100,000 for damage to vehicles and property. Occasionally you may see a combined limit which provides one coverage limit and claims can be made without the split limit restrictions.

Liability insurance covers claims like loss of income, repair costs for stationary objects, medical expenses and attorney fees. The amount of liability coverage you purchase is a personal decision, but you should buy higher limits if possible.

Comprehensive (Other than Collision)

Comprehensive insurance pays for damage that is not covered by collision coverage. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive coverage protects against claims such as hail damage, vandalism, hitting a bird, rock chips in glass and damage from flooding. The highest amount your insurance company will pay is the ACV or actual cash value, so if the vehicle is not worth much consider removing comprehensive coverage.

Medical expense insurance

Personal Injury Protection (PIP) and medical payments coverage reimburse you for immediate expenses like surgery, pain medications and doctor visits. The coverages can be used to cover expenses not covered by your health insurance policy or if you lack health insurance entirely. Medical payments and PIP cover all vehicle occupants in addition to if you are hit as a while walking down the street. PIP coverage is not available in all states but it provides additional coverages not offered by medical payments coverage

Saving money makes a lot of cents

Drivers change insurance companies for many reasons like high rates after DUI convictions, delays in responding to claim requests, an unsatisfactory settlement offer and even poor customer service. Whatever your reason, choosing a new company can be easier than you think.

When searching for low cost auto insurance quotes, it’s very important that you do not reduce needed coverages to save money. There are too many instances where someone dropped liability limits or collision coverage and learned later they didn’t have enough coverage. Your objective should be to get the best coverage possible at the best possible price but still have enough coverage for asset protection.

More affordable insurance can be found online and from local agencies, and you should compare price quotes from both to have the best chance of lowering rates. There are still a few companies who may not provide rate quotes online and many times these regional carriers work with local independent agencies.

More tips and info about insurance can be read in these articles:

Comments About 2005 Nissan Frontier Insurance

  1. Rosario French

    I’m just east of Kailua, Hawaii. Quoted quotes from Mercury, Eastwood, Progressive, and AAA for my Frontier and I think I cut my rates about $20 each month.

  2. Carola Allen

    If you have a good history and live around San Antonio, TX, check out State Farm. You might get cheaper rates. Was with Travelers. I get multi-vehicle and multi-policy discounts.

  3. Rudolph Kent

    Just my two cents. I’m in Boston, MA. I got free rates from Progressive, Encompass, and Hartford for my Frontier and cut my rates about $220 a year. Was with Sentry. Thankfully I’m not a high risk driver.

  4. Myrtle Weaver

    Do I have to carry car insurance in Oregon?

  5. Audry Butler

    Liked the article. Live in Dallas, TX. Got car insurance prices from Amica, Safeco, and Travelers for my 2005 Nissan Frontier and saved $287 a year. Get lots of quotes to find the best rate.

  6. Marietta Peck

    IT’S ALL TOO EXPENSIVE! Found cheapest coverage with USAA for my 2005 Nissan Frontier and saved about $330 a year. They have a lot of discounts available. Just waiting to see how claims go.

  7. Etsuko Kramer

    I’ve bought from Allstate forever. Cheapest rates in Portland, OR.

  8. Dung Whitley

    Nice info. I live just to the west of Chicago, Illinois. Quoted prices online for a 2005 Nissan Frontier. Ended up at about $190 savings annually. Went with 21st Century.

  9. Eric Clarke

    Cheap is relative. Went with Eastwood for my 2005 Nissan Frontier and saved around $220 a year. Good savings if you bundle. Hardly afford to drive anymore.

  10. Micaela Head

    For me, State Farm was by far the cheapest in Hartford, CT.